There is no regulation requiring private pilots obtain insurance. Such a requirement comes from the bank whose loan made it possible to acquire said plane; and

There is no regulation requiring private pilots obtain insurance. Such a requirement comes from the bank whose loan made it possible to acquire said plane; and most any airport with hangars will require evidence of it. I'm not sure what buying insurance does. It certainly provides no standardization of rules or training. Have you read any FARs? There are FARs for flying kites and ultralights. What about any of that do you think is so complicated? Feel free to use a regulation in FAR 91 as an example for something onerous that insurance can obviate. One of my favorite regulations in these UAV conversations is: § 91.119 Minimum safe altitudes: General. Except when necessary for takeoff or landing, no person may operate an aircraft below the following altitudes: (a)Anywhere. An altitude allowing, if a power unit fails, an emergency landing without undue hazard to persons or property on the surface. There is no reason at all why a drone should ever hurt someone, other than sheer incompetency and lack of imagination. Now where are you going to get that imagination? And how are you going to obtain competency? Insurance doesn't get you either of those things.